1. If you used their preferred title/settlement agent, no, they can’t increase the settlement fee down the road. If you chose your own title/settlement agent, yes, the fee can increase.
2. Others have touched on this well. It all depends on where the break occurred. On one of my refis Better sent the funds to my preferred settlement agent, but neglected to put the property address in the wire memo. We poked and prodded for two days and Better provided the Fedwire reference #. The settlement agent then saw they received the wire two days earlier, just hadn’t realized it. Thus, the “service break” was with the settlement agent. You may have something similar happen.
3. Yes. When my WF mortgage was paid off, it took a few days, but then I had an escrow balance of the difference. I didn’t have an escrow on that mortgage prior to the payoff. Then about 10 business days later WF mailed me an escrow refund.
4. I’m not familiar with this, but I wonder if you mean specifically about Better Mortgage. With them, they prepare a “post consumption closing disclosure” about 14-30 days after funding when their compliance team goes over the completed load to verify things. I’ve not encountered another lender that sends such a “final” copy of the closing disclosures unless there was a mistake and a revision needed after-the-fact.
I’m not sure what overpayment you are referring to with Network Capital instead of the one with WF. But regardless, if NC owes you money, they can still send it to you even if the loan has been sold.